# Compare Zoho Books vs Plooto 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Books and Plooto based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/163115-225025/Zoho-Books-vs-Plooto --- # Zoho Books vs Plooto Features and Cost Comparison Last updated March 13th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Zoho BooksPlooto2/4 selected [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.3 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) [## Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting Price $20.00/month Value-for-Money 4.4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.2 Reviews Sentiment Based on [671 reviews](#user-reviews) Positive 599 Neutral 45 Negative 27 [## Plooto](https://www.capterra.com/p/225025/Plooto/)[4.3 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) Starting Price CA$32.00/month Value-for-Money 4.2 Functionality 4.2 Ease of Use 4.5 Customer Service 4 Reviews Sentiment Based on [241 reviews](#user-reviews) Positive 210 Neutral 19 Negative 12 What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 5,444 reviews from accounts payable software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 81%Fit High performer Feature ratings Accounting 4.5 Financial Management 4.7 Bank Reconciliation 4.2 Invoice Processing 4.6 Billing & Invoicing 4.4 69%Fit Missing features Feature ratings Accounting 4.8 Financial Management NA Bank Reconciliation 3.8 Invoice Processing 3.9 Billing & Invoicing 4.2 User satisfaction User satisfaction 4.4 User reviews[671](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.4 Customer support 4.2 User satisfaction 4.3 User reviews[241](https://www.capterra.com/p/225025/Plooto/reviews/) Ease of use 4.5 Functionality 4.2 Value for money 4.2 Customer support 4.0 Price starts from Price starts from $20Other, Per Month - Free version - Free trial Price starts from CA$32Flat Rate, Per Month - Free version - Free trial Best for Best for Zoho Books caters to businesses of all sizes across multiple industries, such as legal, real estate, retail, wholesale, education, maritime, financial services, healthcare, manufacturing and more. Best for Ideal for small businesses and accountants, Plooto is the fastest way to manage business payments - saving you hours on your accounts payable and receivable processes like credit card payments. ## User reviews Pros & cons VR Verified Reviewer Gen Secretary > "Havent experienced any bug, there was one concern which was fixed immediately. and i'd recommend it for both small business as well..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) LT Luke T. Director and Tutor > "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place, despite..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6829781) VR Verified Reviewer Gen Secretary > "Data management is so good, i am uploading all the invoices too in the application." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) DS David S. Customer Service Representative > "The mobile app isn’t as functional as the desktop version, and while the reporting options are good, they could be better customized." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) Raj Shekhar S. Cofounder > "Their has been no product failures or issues, and new features are regularly rolled out too." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7066801) AV Alisodai V. Proprietor > "They were unable to give any solution for my problem even after 7 months time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7020672) BB Ben B. CEO > "Free plan for businesses under $50K in revenue is good and we use it with Zoho Expense and it works seamlessly." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) GK Girish K. Owber > "No desire to even show how a feature works." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) BB Ben B. CEO > "Favorite feature: automated invoicing and payment tracking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) GK Girish K. Owber > "Zoho support has no solution for this." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) Alfredo J. Consultant > "I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) SG Sally G. Customer Service Auditor > "Some features don't work if you are not in the US." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) ME Mohamed E. manager > "The best thing that has happened to me is the ease with which I can now complete all accounting activities with Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) DR Darren R. Director > "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) VR Verified Reviewer COO > "I love the waste option of opportunities to adapt things like templates to automate as much as possible and safe time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) HD Haythum D. IT Engineer > "in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352) ME Mohamed E. manager > "One of the easiest interfaces for creating estimates and invoices is Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) ME Mohamed E. manager > "Data migration is quite difficult for businesses with a lot of data." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) Dedre M. Owner > "Due to the fact that you can manager all financially transactions within your dashboard, including invoicing and billing, makes this..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) MG Michael G. President > "does not integrate easily with Microsoft Office suite" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335) ME Mohamed E. manager > "The main benefit is that it offers a range of plans at reasonable prices to accommodate diverse business needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) DS DAMON S. Director > "Uncleared notifications on the app that I just can’t seem to clear" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6466142) HN Hilda N. Youth research advisor > "With Zoho book I have been able to manage customers and suppliers interaction using client protal and by sitting up payments..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) HN Hilda N. Youth research advisor > "The application is mostly very slow when updating it and in the process you may lose your data and in the due course costimg you a..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) NL Nzai L. project officer sanitation and hygiene > "i like the ability of the software to manage clients online through clients patrol and making recuring invoices payments , its user..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4962668) PB Phillip B. President > "For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6178338) SA Sayed A. Project Engineer > "It has automation capabilities, such as automatic bank feeds and recurring invoices, have been praised for saving time and..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4741271) MA Monica A. program manager > "the application is very hard to master mostly on how to handle recurring payments within your organization" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4983997) SN Siyabonga N. Junior Tax practitioner > "The Online Invoicing has great features such as personalizing invoices with their logo, colours, and fonts., plus you can also..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4738813) AM Alicia M. Accountant > "For example, in the UK a sales balance of -£100 means that the customer owes £100 pounds and has to pay." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821) DS David S. Customer Service Representative > "It also offers great GST compliance features which are a big advantage for my business." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) DP Darshan P. Administrator > "It has more user restrictions and payroll service is not available." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4775876) AC Anthony C. University Intern > "Zoho Books also offers integration with other Zoho services, such as CRM and Human Resources, which makes collaboration and project..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184) FF Frank F. President > "When there is an update with the a financial institution Zoho Books takes forever to make that update causing issues with keeping..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3503773) EC Emily C. Engineer > "It was a very simple platform with the initial configuration, its integration system is basic allowing all stored data to be safe..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4747708) TM Theresa M. CEO > "They forgot to tell you to click on Settings first, and THEN select Preferences." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) DR Darren R. Director > "We love Zoho ability to access from anywhere and allows a business owner to monitor things even when they are not on site." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) SK Stephen K. insurance manager > "it limits vendors list and once reached you have to pay additional amount first and its very difficult to learn basically how to..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4655805) Alfredo J. Consultant > "I enjoy how it integrates with their expense tracker and with PayPal." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) MK Milena K. Bookkeeper > "Limitation of the functions and the customer service wasn't as expected." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789839) BB Ben B. CEO > "Mobile app is a plus, gives real-time access to financials." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) KF Kadeem F. IT Consultant > "Invoice customisation is really lacking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4780181) Juan B. CEO > "I am able to set up recurring billing for my clients, which has saved me a lot of time and helped me maintain a steady stream of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) Elyn H. Content Creator > "This is because you can only add your uploads to a new expense." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789911) VR Verified Reviewer COO > "Zoho Books combines quoting, invoicing in a very efficient way." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) SY Surjesh Y. Software Engineer > "Some users might discover that the software is not as customised as they would want. Although it has a variety of functions, there..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4628961) AT Amy T. CFO > "Customization for our specific business was a huge game changer, as we didn't need to get outside help involved to make simple..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) RE Rajesh E. DIRECTOR > "expense print layout is against the income tax rules.. if any invoice is having more than 200 products the invoice will not open..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___3567105) JK Jeethendra K. Founder & CEO > "The ease of using the zoho books across all the device since the data is stored in server rather than tally in which the data is..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___5019964) SD Sharif D. Inventory analyst > "the software is expensive in case you are purchasing it once" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4980610) CS Connor S. Brokerage Operations Associate > "The invoices module in Zoho Books and very well laid out and easy to use for people who are new to these kinds of platforms." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6537888) TM Theresa M. CEO > "This is the most non-intuitive, difficult, cumbersome, obscure programme I have ever worked with." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) SG Sally G. Customer Service Auditor > "The interface is clean and clear." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) IL Immaculate L. Finance Director > "The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4604401) LL Lydia L. Blow Mold Operator > "It uses automations which allows us to eliminate the manual entry work and reduce the dependency on the repetitive tasks." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6006953) TH Timothy H. CEO > "For the business I have managed for the last 15 years, it is tough to migrate everything over. " [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4797274) JW Joel W. Program Manager > "I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6167413) Jared L. Business Development > "No need to wait for another person to send an invoice and possibly lose the customer to dead time from 'Yes' to the ability to pay" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3859870) WT Winnie T. Manager > "I've been able to manage the accountabilities while at my home by using this software to manage the accountabilities and project..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) WO William O. Manager > "So I am just going to find something else can consider all the work I have done in my account as a loss...." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___5078207) AC Anthony C. University Intern > "Zoho Books is an online accounting and invoicing software that offers a wide range of features at an affordable price." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184) MS Melissa S. CSR > "Gets very expensive to activate advanced features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6002964) Dedre M. Owner > "Zoho Books is helping our small business with financial reporting and keeping track of our income and expenses." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) Kirti V. developer > "However, some users have reported issues with customer support and limited customization options." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) AB Andrei B. Branch Manager > "Integrates good with other Zoho apps if you are using them." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6296522) Shyamal P. Founder > "They forced us to buy 12 months subscription saying migration won't be done unless we pay2." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) WT Winnie T. Manager > "I use it for project planning and accounting While sitting in my dining room therefore it eased work for me" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) JV James V. Assistant Management Accountant > "Team collaboration related features of Zoho Books are not quite sufficient for our requirements." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4070417) VV Vikas V. Software Consultant > "Reports are a great way to break things down for more clarifity." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6685125) Becky F. Software Developer > "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391) KI Kalume I. Senior IT technician > "The software integrates with Zoho invoice which makes work of creating invoice easy and massive. " [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5003016) VR Verified Reviewer Software developer > "Limited customer support users can only access support via email or live chat,- limited user permissions" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276) Juan B. CEO > "I was able to easily and quickly track my income and expenses and generate financial reports in seconds." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) Kirti V. developer > "Zoho Books offers limited support options, which may be frustrating for users who require immediate assistance." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) AT Amy T. CFO > "It is great for companies with project management, from estimate to sales order to purchase orders and Invoicing." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) VR Verified Reviewer Land Surveyor > "There are also expenses that I incur on my own as an employee of the company that need to be assigned to me alone still using my..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___3433842) BB Ben B. CEO > "Cloud-based with a solid mobile app so good for being on the go." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) BH Ben H. Manager > "Very little hand holding or clues for the average business user that doesn't have an accounting degree." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4622616) BB Brian B. Devevloper > "Zoho books has the ability to manage accounting in non-profit organizations." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4744904) SV Shanmugam V. Article Trainee > "The data migration from our old software to Zoho was a bit difficult." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740) [View Reviews](https://www.capterra.com/p/163115/Zoho-Books/reviews/) RP Ryan P. Lead Designer > "I like that Plooto is designed specifically to automate accounts payable and receivable workflows, allowing businesses to send..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7108886) RP Ryan P. Lead Designer > "One of the biggest limitations is that Plooto doesn’t replace accounting software." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7108886) AN Amir N. Controller > "Intimation to the vendors, through email about the payment details is a great feature." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7064884) SB Steve B. COO > "Slow money transfers, cannot transfer money from one currency to another, cost per transaction is more than major e-commerce bank..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6630672) SM Sam M. pres > "makes paying bills a breeze, would be nice if Plooto could show the bill payment batches in the Completed Payments instead of..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6712362) BK Bridgette K. owner > "The only con is that my account was deactivated without notice." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7020996) AN Amir N. Controller > "Plooto integration with the QuickBooks online is easy to use & navigate." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7064884) BK Bridgette K. owner > "I attempted to reach out to customer support, but did not receive a response." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___7020996) BZ Beckett Z. Senior Accountant > "Stream the payment process, the approval is automatic, and send the Email to inform the process is excellent." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6584576) AC Alan C. Executive Director > "This persistent problem, reported to Plooto, introduces additional delays, requires extra confirmation of hand-offs, and disrupts..." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) BZ Beckett Z. Senior Accountant > "Overall, I am satsified with the Plooto, if the payment can be categorized into different kinds, it will be more valable" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6584576) CH Colette H. Piano Teacher Owner Director > "Cannot do credit card refunds without going through customer service." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6340505) CH Colette H. Piano Teacher Owner Director > "Great filters to search through past payment history." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6340505) VR Vickey R. Owner > "My clients had to jump thru a lot of hoops to get the reoccurring payments set up and some were not happy about it =( I had PAD..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) HL Hunter L. Owner > "Easy to export and schedule payment from quickbooks." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6762742) JJ Jaykumar J. System Engineer > "Not a mobile app and integration facility" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6657550) SF Sarah F. Office Manager > "So far we are content with the payables portion." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6856881) VR Vickey R. Owner > "So I have several clients that I cannot process their payments in Plooto even tho I have a PAD agreement with them and they have..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) DS Desmond S. Administration > "Reasonably easy to set up, and payments are reliable." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6851742) AC Alan C. Executive Director > "Plooto's support has provided an unsatisfactory response, dismissing the issue as not within their purview." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) VR Vickey R. Owner > "I am saving over $100 per month in processing fees since I switched to Plooto and once I got past the "set up" stage." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4912394) JG Joanna G. Hotel posta > "Can be difficult to use for advanced tasks" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6031070) CW Chad W. CAO > "Plooto has provided a good venue for transactions to be completed in a timely and effective way. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6014697) NL Noah L. Senior Financial Analyst > "Some vendors can be skeptical to enter banking details into a third party payment processor." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) AC Alan C. Executive Director > "The interfaces are clean and the functionality with the software is very solid." [See full review](https://www.capterra.com/p/225025/Plooto/#SoftwareAdvice___6040955) RP Rebecca P. Client Service Representative > "One of the only things I find a drawback is how long it takes for funds to transfer. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3593187) PS Pauline S. Accounting supervisor > "great, their customer support is reliable as well and i find the software very reliable in payment processing" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6113633) VR Verified Reviewer General Manager > "there is no payroll integration which slows down the payment and reconciliation process considerably." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389397) DM Daianne M. Business Operations and Support Manager > "I want to express my appreciation for the user-friendly interface of the platform." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4918983) RW Ron W. Owner > "This often leads to mistakes if there are large volumes and a busy schedule, sometimes resulting in double payments ." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___2869897) MW Melissa W. Chief Financial Officer > "The best features of Plooto include the ability to send contactless payments to vendors at anytime in (almost) any amount." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3424032) SR Steven R. Owner > "My monthly Plooto bill was between $3-$7 per month. When Plooto switched to $25 per month with 10 transactions included, it did..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569383) NL Noah L. Senior Financial Analyst > "Customer service is right at your finger tips and gives almost immediate help through their chat feature." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) Steven D. Head of Product + Operations > "There was some confusion, lack of clarity, and delays in payments that we couldn't do anything about after submitting payment." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2798154) KH Kelly H. Administrator > "The platform is very simple and saves time!" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___4964631) AC Alice C. Founder and Clinical Director > "I don't like that I can't pay my monthly subscription with a credit card." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3419927) GA Gillian A. Musician, Graphic Design > "Ease of use and payments are received quickly." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___5008533) RW Ron W. Owner > "Plooto does not import credit amounts resulting in overpayments." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___2869897) JG Joanna G. Hotel posta > "I like the fact that it is easy to set up" [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___6031070) BB Bernard B. President & CEO > "I had one billing issue where I released the payment before the product expiry, but they did not make the payment because the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2571335) Maddie T. System Administrator > "Approval control, user-friendliness, and affordability are all things we like." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3542700) VR Verified Reviewer Manager > "E-transfers do not require giving up your password, and I refuse to compromise my security." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___3303621) AE Ali E. IT & Operations > "The integration with Xero and reoccurring PAD setups are great time saving features." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389612) KW Krista W. Partner > "Sometimes payments need to be submitted by credit card or paper check and we cannot use the system for tracking approval for..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569422) Isaac S. Implementation Specialist > "Plooto has made it very easy and simple to help my clients organize their A/P. As my clients process dozens of transfers on a..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557398) RW Ron W. Owner > "The payment interface with QBO was not well thought out." [See full review](https://www.capterra.com/p/225025/Plooto/#GetApp___2869897) ZK Zak K. Executive Director > "The additional approval workflow features are great for scaling up and delegating Accounts Payable and setting limits on payment..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556824) AE Ali E. IT & Operations > "Unfortunately, there isn't a way to remove these for security reasons." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389612) MA Michele A. Office Administrator > "The company \[SENSITIVE CONTENT\] likes how I can enter all the accounts payable and he can simply approve the payment." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363571) EB Edgar B. Founder > "The cross border receivables are extremely limited, the amount is too low to collect receivables across the border. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557043) NL Noah L. Senior Financial Analyst > "It is very easy to use and syncs perfectly with QuickBooks Online." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3800809) CE Chris E. Lead Client Advisor > "I think there are some flaws with the software regarding international wire transfers as well as with the tier set up that need..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2576044) AC Alice C. Founder and Clinical Director > "I appreciate being able to pay my vendors without having to worry about e-transfer daily limits etc." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3419927) MB Mattias B. President > "Only issue has been with my integration with quickbooks had a few glitches at the beginning with international currency." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556847) JS Janet S. Managing Director > "Easy use with batch entry when we only process payables once a month. But can always do the one-offs very easily too." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363293) JA Jay A. Controller > "I had a failed transfer attempt and it took well over a month and multiple emails to get my money put back in my account." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556859) DS Dorinda S. Executive Director > "I think the best feature is that payments are very clear with the invoice attached as well as pathway and dates for the payment..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557080) GP Genna P. Director of Finance > "I can’t say I have enough experience with all its features to list any cons at this point." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3390903) Bailey F. CEO > "I've been using Plooto for a little under a year now and it is incredible, it sync's directly with quickbooks and allows me to..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) AM Audrey M. Owner > "I can't get a hold of my original contact and requesting support through the online request has yet to produce a response." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556878) AM Audrey M. Owner > "With QuickBooks Online and Plooto integration it saves me a lot of time processing payments and recording the transactions." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556878) KM Kartik M. Accounting Manager > "I can only enter in a maximum of 20 recurring payment the client support team cannot help us in a timely manner." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569461) DM Diana M. Bookkeeper > "Supporting associations with multiple signatories this has been a world of difference in my process flow and the quality and..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2559527) AD Andy D. President > "I have been struggling to get the PAD setup for my customers and find it hard to not have access to telephone customer support. " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2577983) RV Rini V. Junior Accountant > "The QB integration is really helpful for us, it makes it easy for us to pull AP and the fact that invoices are attached in the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557194) NP Norris P. Vice President > "A third was abandoned because the \[SENSITIVE CONTENT HIDDEN\] became frustrated with the setup process and subsequent delay in..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2581965) RP Rebecca P. Client Service Representative > "This is very easy software to use! " [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3593187) GS Geeshan S. President > "Only Canada/USA currently supported, as we are international we are unable to process orders with banks outside of Canada/USA." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569328) SB SARA B. Owner > "I was happier when it was a flat $1 fee per ACH, I'm now paying much more per transaction due to the flat $25 per month fee and..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569400) HY Heather Y. Principal > "We still have issues with some vendors not being serviced by Plooto, e.g. credit card companies." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569350) MA Michele A. Office Administrator > "The overall experience has been great. When I have reached out to support my issues have always been resolved, although it may..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3363571) JR Josh R. President > "The fees often hit wrong chart of accounts and requires manual adjustments on occasions." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2575847) CC Carmen C. Accountant > "I love how it automatically records into quickbooks on the day of the transaction so there isn't a disrepancy when I look at the..." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2557414) GS Geoffrey S. President > "Worst feature change was from transaction cost to minimum monthly fee." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2570035) Bailey F. CEO > "The flat-rate fee is a game-changer for me, and means I don't have to pay Stripe's 2.9% transaction fee every time." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) DG Daniel G. Owner > "but when they added a monthly fee on top of the pay-per-use model I stopped using it." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2573509) VR Verified Reviewer General Manager > "Integrates well with QB online." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___3389397) RS Reg S. Owner > "We were led to believe Plooto offered a credit card service that apparently they once offered but have since dropped." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2581866) RD Riley D. CFO > "It integrates perfectly with our Xero accounting system and makes payments seamless." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2556923) Bailey F. CEO > "Payment times can be anywhere from 3 - 7 days which is a little slow." [See full review](https://www.capterra.com/p/225025/Plooto/#Capterra___2569891) [View Reviews](https://www.capterra.com/p/225025/Plooto/reviews/) ## User interface 4.39 (671) [Plooto](https://www.capterra.com/p/225025/Plooto/) 4.34 (241) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit 1099 Preparation 207 Important Accounting 150 Important ACH Payment Processing 120 Important Zoho Books 27/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Process/Workflow Automation - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Management [See all features](https://www.capterra.com/p/163115/Zoho-Books/#features) Plooto Top features 30/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Process/Workflow Automation - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Management [See all features](https://www.capterra.com/p/225025/Plooto/#features) ### Recognition No recognitions have been awarded to Zoho Books No recognitions have been awarded to Plooto ### Deployment & support Zoho Books Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Plooto Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Zoho Books - By Zoho - Located in United States - Founded in 1996 Plooto - By Plooto - Located in Canada - Founded in 2014 ## Popular Comparisons [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $20/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/163115-190778/Zoho-Books-vs-QuickBooks-Online) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) CA$32/month Price $38/month 4.2 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-225025/QuickBooks-Online-vs-Plooto) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,610)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $20/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/163115-174984/Zoho-Books-vs-QuickBooks-Enterprise) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [Stampli](https://www.capterra.com/p/147301/Stampli/)[4.82 (463)](https://www.capterra.com/p/147301/Stampli/reviews/) CA$32/month Price Contact vendor for pricing 4.2 Features 4.7 4.5 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/147301-225025/Stampli-vs-Plooto) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/) $20/month Price $25/month 4.3 Features 4.3 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-163115/Xero-vs-Zoho-Books) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/) CA$32/month Price $25/month 4.2 Features 4.3 4.5 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-225025/Xero-vs-Plooto) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,547)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $20/month Price $1922/year 4.3 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/163115-212058/Zoho-Books-vs-QuickBooks-Desktop-Pro) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,610)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) CA$32/month Price $2210/year 4.2 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-225025/QuickBooks-Enterprise-vs-Plooto) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) $20/month Price Contact vendor for pricing 4.3 Features 4.2 4.4 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-163115/NetSuite-vs-Zoho-Books) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,547)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) CA$32/month Price $1922/year 4.2 Features 4.3 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/212058-225025/QuickBooks-Desktop-Pro-vs-Plooto) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,037)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) $20/month Price $235/month 4.3 Features 4.4 4.4 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/163115-189398/Zoho-Books-vs-QuickBooks-Online) [Plooto](https://www.capterra.com/p/225025/Plooto/)[4.34 (241)](https://www.capterra.com/p/225025/Plooto/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) CA$32/month Price Contact vendor for pricing 4.2 Features 4.2 4.5 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-225025/NetSuite-vs-Plooto)